Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
OVB Holding AG is a leading European financial services provider specializing in brokerage and advisory solutions for private households. Founded in 1970 and headquartered in Cologne, Germany, the company operates as a diversified financial group with a strong footprint across multiple European countries, including Central and Eastern Europe as well as Southern and Western Europe. OVB Holding AG coordinates the activities of its network, supporting financial advisors who provide face-to-face consulting on a broad spectrum of financial products such as insurance, investments, and retirement planning. The company’s robust network includes over 6,000 financial advisors serving nearly 5 million clients, underscoring its substantial market reach. OVB Holding AG stands out for its stable, sustainable business model, leveraging decades of experience in financial consulting to adapt to evolving market and customer needs. Its consistent growth in brokerage income and profitability reflects its well-established position in the European financial landscape, making it a reliable partner for both clients and financial professionals.
Operating margin is thin at 2.27%. Limited cushion if revenue slows or costs rise, not the profile of a wide-moat business.
Revenue grew 7.0%, steady but not accelerating. Margins contracted 2.5pp, which offsets some of the top-line progress.
Free cash flow declined 33% versus the prior year, cash generation momentum has weakened. ROIC dropped from 14.23% to 5.57%, capital efficiency is deteriorating.
Profitability & Returns
Revenue (TTM)
€446M
▲ +7.0% YoY
Net Income (TTM)
€8M
▼ -55.1% YoY
Op. Margin
0.99%
▼ -2.5pp YoY
ROIC
5.57%
▼ -8.7pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
€15M
▼ -33.4% YoY
Op. Cash Flow (TTM)
€15M
▼ -33.3% YoY
Net Debt
-€133M
Net Cash Position
Cash & Equiv.
€136M
3Y CAGR: +9.6%
3Y CAGR: +17.4%
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